United Community Banks (UCB) Stock Price, News & Analysis

Company Overview

United Community Banks, Inc. (NYSE: UCB) is a bank holding company headquartered in Blairsville, Georgia. It operates primarily through its subsidiary, United Community Bank, providing a broad range of banking and financial services to individual, business and governmental customers. The company’s core offerings include deposit accounts, commercial and consumer lending, mortgage origination, treasury and cash management services, and wealth management.

In addition to traditional banking products such as checking, savings and money market accounts, United Community Bank specializes in commercial real estate financing, small business administration (SBA) loans, equipment financing and agricultural lending. These credit facilities are complemented by online and mobile banking platforms, digital payment solutions and a network of branch offices designed to meet the needs of both urban and rural communities in its service area.

United Community Bank’s footprint extends across the southeastern United States, with branches in Georgia, North Carolina, South Carolina, Tennessee, Florida, Alabama and Virginia. This regional concentration supports close relationships with local businesses and community organizations, reinforcing the bank’s emphasis on personalized service and community development. Wealth and trust services are delivered through United Community Wealth, a subsidiary offering investment advisory, estate planning and fiduciary management to high-net-worth individuals and families.

Founded in 1950, United Community Banks has grown through a combination of organic expansion and strategic acquisitions, building a presence in key markets throughout its core region. The company is led by Chairman and Chief Executive Officer Bryan Jordan, under whose tenure it has continued to emphasize customer-centric innovation and prudent risk management. With a commitment to community engagement and economic development, United Community Banks seeks to balance sustainable growth with the evolving financial needs of its customers.

Key Stats

• Today's Range: $31.50 to $32.33
• 50-Day Range: $29.47 to $33.69
• 52-Week Range: $22.93 to $35.38
• Volume: 236,116 shs
• Average Volume: 693,599 shs
• Market Capitalization: $3.86 billion
• P/E Ratio: 14.44
• Dividend Yield: 3.15%
• Price Target: $34.57
• Consensus Rating: Hold

United Community Banks Stock Analysis - MarketRank™

United Community Banks scored higher than 66% of companies evaluated by MarketBeat, and ranked 527th out of 920 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 2.9 / 5
• Analyst Rating: Hold

Consensus Rating

United Community Banks has received a consensus rating of Hold. The company's average rating score is 2.38, and is based on 3 buy ratings, 5 hold ratings, and no sell ratings.

Upside/Downside

The consensus price target for United Community Banks is close to its current price, suggesting limited near-term upside or downside.

Amount of Analyst Coverage

United Community Banks has been the subject of 5 research reports in the past 90 days, demonstrating strong analyst interest in this stock.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of United Community Banks is 14.45, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 234.50.

Price to Earnings Ratio vs. Sector

The P/E ratio of United Community Banks is 14.45, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 30.33.

Price to Book Value per Share Ratio

United Community Banks has a P/B Ratio of 1.13. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 4.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

1.73% of the float of United Community Banks has been sold short.

Short Interest Ratio / Days to Cover

United Community Banks has a short interest ratio ("days to cover") of 3.3, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in United Community Banks has recently decreased by 1.88%, indicating that investor sentiment is improving.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

United Community Banks pays a meaningful dividend of 3.21%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

United Community Banks does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of United Community Banks is 45.45%. This payout ratio is at a healthy, sustainable level, below 75%.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

1.73% of the float of United Community Banks has been sold short.

Short Interest Ratio / Days to Cover

United Community Banks has a short interest ratio ("days to cover") of 3.3, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in United Community Banks has recently decreased by 1.88%, indicating that investor sentiment is improving.

News and Social Media

• Score: 2.1 / 5
• News Sentiment: 0.84

News Sentiment

United Community Banks has a news sentiment score of 0.84. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.69 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 3 news articles for United Community Banks this week, compared to 6 articles on an average week.

Search Interest

Only 7 people have searched for UCB on MarketBeat in the last 30 days. This is a decrease of -13% compared to the previous 30 days.

Company Ownership

• Score: 2.5 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, United Community Banks insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $49,999.00 in company stock.

Percentage Held by Insiders

Only 0.43% of the stock of United Community Banks is held by insiders.

Percentage Held by Institutions

82.29% of the stock of United Community Banks is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

UCB Stock Analysis - Frequently Asked Questions

How have UCB shares performed this year?

United Community Banks' stock was trading at $28.74 at the beginning of 2025. Since then, UCB shares have increased by 10.5% and is now trading at $31.76.

How were United Community Banks' earnings last quarter?

United Community Banks, Inc. (NYSE:UCB) released its earnings results on Wednesday, July, 23rd. The company reported $0.66 earnings per share for the quarter, topping analysts' consensus estimates of $0.61 by $0.05. United Community Banks's revenue was up 6.1% compared to the same quarter last year.

Who are United Community Banks' major shareholders?

Top institutional investors of United Community Banks include GAMMA Investing LLC. Insiders that own company stock include H Lynn Harton, Richard Bradshaw, Jefferson L Harralson, Sally Pope Davis and Kenneth L Daniels.
View institutional ownership trends.

How do I buy shares of United Community Banks?

Shares of UCB stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

Company Calendar

• Last Earnings: 7/23/2025
• Record date for 10/3 Dividend: 9/15/2025
• Ex-Dividend for 10/3 Dividend: 9/15/2025
• Dividend Payable: 10/03/2025
• Today: 10/06/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NYSE
• Sector: Finance
• Industry: BANKS - SOUTHEAST
• Sub-Industry: Banking
• Current Symbol: NYSE:UCB
• Previous Symbol: NYSE:UCB
• CIK: 857855
• Web: N/A
• Phone: 18008222651
• Fax: 706-745-8960
• Employees: 2,979
• Year Founded: 1950

Price Target and Rating

• Average Price Target for United Community Banks: $34.57
• High Price Target: $36.00
• Low Price Target: $30.00
• Potential Upside/Downside: +9.3%
• Consensus Rating: Hold
• Rating Score (0-4): 2.38
• Research Coverage: 8 Analysts

Profitability

• EPS (Trailing Twelve Months): $2.20
• Trailing P/E Ratio: 14.37
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $252.40 million
• Net Margins: 17.93%
• Pretax Margin: 22.84%
• Return on Equity: 8.91%
• Return on Assets: 1.09%

Debt

• Debt-to-Equity Ratio: 0.04
• Current Ratio: 0.79
• Quick Ratio: 0.79

Sales & Book Value

• Annual Sales: $952.89 million
• Price / Sales: 4.03
• Cash Flow: $2.77 per share
• Price / Cash Flow: 11.40
• Book Value: $28.01 per share
• Price / Book: 1.13

Miscellaneous

• Outstanding Shares: 121,474,000
• Free Float: 120,818,000
• Market Cap: $3.84 billion
• Optionable: N/A
• Beta: 0.83